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ICICI Lombard Personal Protect
| Objective | A personal accident policy which aims to cover medical expenses and provide daily cash amount along with basic cover to relieve insured and family members from financial setback. |
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| Suited for | Personal accident policies are suitable for regular vehicle drivers and those involved in risky jobs. |
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| What does it do? | This is a standalone personal accident policy that will pay in an unfortunate instance of death or permanent total disability caused due to an accident. On paying extra premium, the insurer can also provide for medical expenses and daily cash in case of hospitalisation. |
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| Pros | Additional cover for hospitalisation expenses and daily cash benefit will enhance the cover. |
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| Cons | It does not cover temporary disablement. |
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| Our View | The hospitalisation expenses and daily cash benefit is useful only if one lacks an adequate basic health policy. If a person has a satisfactory basic hospitalisation cover, a plain personal accident policy will suffice. Hence, make a need based selection of cover. |
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| Eligibility | |||||||
| Entry Age (years) | |||||||
| Minimum | 18 | ||||||
| Maximum | 80 | ||||||
| Maximum Policy Renewal Age (years) | 80 | ||||||
| Coverage Type | Individual | ||||||
| Policy Term (years) | 1/3/5 | ||||||
| Sum Insured (Rs) | |||||||
| Maximum | 25 lakh | ||||||
| Minimum | 3 lakh | ||||||
| Pre Policy Medical Check Up | Not required | ||||||
| Policy Termination | Either of the policyholder or insurer can terminate the policy by giving a 15 days notoce | ||||||
| Customer Service | |||||||
| Address | ICICI Lombard General Insurance Co. Ltd. | ||||||
| Mail to | |||||||
| Call to | 1800 2666 | ||||||
| Network Hospitals | Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp | ||||||
| Scope Of Cover | |||
| Accidental Death | covered | ||
| Accidental Permanent Total Diability | covered | ||
| Optional Benefits (require payment of extra premium) | |||
| Accidental Hospitalisation Expenses | reimburses as per limits given below:upto Rs 10000 for 3 lakh coverupto Rs 25000 for 5 lakh coverupto Rs 50000 for 10 and 15 lakh upto Rs 1 lakh for 20 and 25 lakh cover | ||
| Accidental Hospital daily Allowance | covered; pays daily cash upto maximum of 30 days. Rs 1000 per day for sum insured upto 5 lakh and Rs 2000 per day for higher Sum insured | ||
| Exclusions and Waiting Period | |||
| Pre-existing disease | not covered | ||
| General exclusions | accident caused due to adventourous sporting such as bunjee jumping, biking, etc. | ||
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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.
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